[Dsprint2000]

Correct, the 'basic' tenet is to place you whole again after a covered loss. However, in my example above with the Yugo, your insurance carrier is not responsible if you overpaid for something. If you paid $100,000 for a Ford Festiva that was actually only worth $100, why is the insurance company responsile to make up for the difference in value? Your premium paid was based on a $100 Ford Festiva......

David